人身保险利益问题研究

发布时间：2018-02-03 22:23

本文关键词： 保险法人身保险保险利益　出处：《内蒙古大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着国家经济的快速发展,保险业逐渐成为了建设现代金融体系的支柱之一。我国保险业正在从保险大国向保险强国的逐步迈进。国家通过制定法律和相关配套法规解释为保险保驾护航。而作为关系到保险合同能否成立,防范道德风险的保险核心原则的保险利益原则的立法,是影响保险业发展的关键点。我国《保险法》在人身保险利益方面有一些的规定,主要包括哪些人可以具有保险利益,如何获得人身保险利益。但是法律规定仍然存在以下三个方面的缺陷:第一,保险利益主体问题,包括投保人的范围过窄,影响保险业的发展速度和人民保障责任的提高,同时受益人在订立保险合同以及保险责任发生后是否应当具有保险利益。第二,对于被保险人同意投保为其订立保险合同没有一个具体的标准。第三,对保险合同中保险利益的审查责权由谁来承担没有一个明确具体的规定,对于保险利益审查不严的后果应当由谁承担也没有说明,导致被保险人成为这一缺陷的最大受害者。为进一步适应保险业的发展速度和需求,同时让保险更好的发挥其自身的保障作用,更好的为被保险人及其相关利益的承担者提供应有的帮助。本文针对上述问题,首先通过案例形式引出人身保险利益在实际运用过程中存在的相关情况,参考对比国外有关人身保险利益制度经验,结合我国人身保险业务各险类的实际承保操作流程,通过对保险合同中人身保险利益关系进行关联研究,以对人身险保险利益进行细致分析,明确寿险、意外险及健康险的责任承担的范围、类型、方式等具体问题,在合理借鉴的基础上通过修改相关法律规定来明确、细化利益主体、认定保险利益的标准及各项责任承担,让投保人享有保险利益的范围有所扩大,让受益人在整个保险合同中以具有保险利益为前提条件,让其受到一定程度的限制,同时在法律中规定让更具专业性的保险公司成为保险利益的审查义务主体和过错审查后的责任承担者,更好的保护合同中相对弱势方的合法权益。通过对我国现行《保险法》中有关人身险保险利益制度的修改完善,更好的发挥保险在经济建设以及参与国家医疗体制改革各方面的作用,切实有效地保护保险合同当事人的合法权益。
[Abstract]:With the rapid development of national economy. The insurance industry has gradually become one of the pillars of the construction of modern financial system. China's insurance industry is gradually moving from a big insurance country to a strong insurance country. As an insurance contract is related to the establishment. The legislation of the insurance interest principle of the core principle of insurance against moral hazard is the key point that affects the development of insurance industry. The Insurance Law of our country has some provisions on the interests of personal insurance. Mainly includes who can have the insurance interest, how to obtain the life insurance benefit. But the law stipulation still has the following three aspects flaw: first, the insurance interest main body question, including the policy holder's scope is too narrow. Affect the development of the insurance industry and the improvement of the people's responsibility for security, at the same time the beneficiary in the conclusion of insurance contracts and whether the insurance liability should have insurance interests. Second. There is no specific standard for the insured to agree to take out insurance for it to conclude an insurance contract. Third, there is no clear and specific provision as to who should assume the responsibility for insurance interests in the insurance contract. Who should bear the consequences of the insurance interest review should not be explained, resulting in the insured to become the biggest victim of this defect, in order to further adapt to the development of the insurance industry and needs. At the same time, let the insurance better play its own protection role, better for the insured and its related interests of the duty-bearers to provide due help. First of all, through the case form of personal insurance interests in the actual application of the existence of the relevant situation, referring to the comparison of foreign personal insurance interest system experience. Combined with the actual operation process of life insurance business in China, through the study of the relationship of life insurance interests in the insurance contract, in order to analyze the life insurance interests in detail, make clear the life insurance. On the basis of reasonable reference, the scope, type and method of liability of accident insurance and health insurance are defined by modifying relevant laws and regulations, and the main body of interests is refined. Identify the standard of insurance interests and various responsibilities, so that the scope of insurable interest policy holders have expanded, so that the beneficiary in the entire insurance contract with insurance interests as a prerequisite. Let it be limited to a certain extent, at the same time in the law to allow more professional insurance companies to become the subject of the review of the interests of insurance obligations and liability after the fault review. To better protect the legal rights and interests of the relatively weak parties in the contract. Through the revision and perfection of the interest system of life insurance in the current Insurance Law of our country. Better play the role of insurance in economic construction and participate in the reform of the national medical system, and effectively protect the legitimate rights and interests of the parties to the insurance contract.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.284

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